Hilary Johnson

Director & Mortgage Adviser

021 277 8080 · interest.tmb@gmail.com

Based in New Zealand, I specialise in making mortgages simple. Whether you’re a first home buyer, looking to refinance, or growing your property investment portfolio. I’m here to guide you every step of the way.

My Point of Difference

With 30 years of experience in the financial services industry, including 5 years in banking and 25 years as a Mortgage Adviser, I bring a depth of knowledge and expertise that helps you navigate the lending process with confidence.

I believe great mortgage advice is about more than simply securing a loan. My focus is on building long-term relationships and helping you achieve ongoing financial success, both now and in the future.

I take the time to understand your individual goals, circumstances, and future plans. This allows me to structure lending solutions that not only meet your immediate needs but also support your long-term financial objectives. My aim is to secure the most suitable mortgage solution and overall lending package available, while positioning you for future opportunities.

I also take the pressure and stress out of arranging finance. From navigating lender requirements and managing the application process to negotiating with banks on your behalf, I guide you every step of the way, making the experience as straightforward and seamless as possible.

In Short

  • 30 years’ experience in the financial services industry

  • Building long-term relationships, not just completing transactions

  • Strategic mortgage advice focused on both current and future goals

  • Access to a wide range of lenders and lending solutions

  • Personalised guidance and support throughout the entire process

  • Taking the stress and complexity out of arranging finance

  • Working to secure the best overall mortgage package for your individual needs and objectives

  • Ongoing support as your circumstances and financial goals evolve

The Difference

I don't just help you obtain a mortgage today. I help you build a lending strategy that supports your future plans, whether that's purchasing a first home, upgrading, investing in property, renovating, or becoming debt-free sooner.

I specialise in residential mortgage lending and provide personalised advice and support across a wide range of home loan solutions, including:

  • First Home Buyer Lending – Helping first home buyers navigate the property purchase process and secure lending that suits their needs and long-term goals.

  • Home Movers, Upgraders & Downsizers – Assisting existing homeowners who are looking to sell their current property and purchase another, whether they are upgrading to a larger home, downsizing, or making a lifestyle change. I help clients understand their borrowing capacity, structure their lending effectively, and navigate the finance process with confidence.

  • First Home Loans (formerly Welcome Home Loans) – Supporting eligible buyers to access low-deposit lending options and helping them understand the requirements and opportunities available.

  • Refinancing – Reviewing existing lending arrangements and helping clients move to a new lender when a more competitive interest rate, improved loan structure, or better overall package is available.

  • Residential Investment Property Lending – Providing mortgage solutions for property investors looking to purchase, refinance, or grow their residential property portfolio.

My goal is to help clients secure the right lending solution while ensuring their mortgage structure remains aligned with both their current needs and their long-term financial objectives. Through every stage of the process, I strive to make arranging finance as simple, stress-free, and seamless as possible.

Products & Services

Call us

021 277 8080

Email us

interest.tmb@gmail.com